Systems and Methods for Sharing Verified Identity Documents

ABSTRACT

A method for sharing verified identity documents is disclosed. The method is performed at one or more electronic devices. The client device obtains identity information of a user and a document. The client device extracts identity information from the document. The client device determines that the identity information of the user and the extracted identity information substantially match, and generates at least one verification rating for the document. The client device sends the document, the data extracted from the document, and the at least one verification rating to a server system remote from the client device. This information is then provided by the server system to another party upon approval by the user to share the information with that party.

CROSS-REFERENCE

This application is a continuation of U.S. Utility application Ser. No.14/099,751, filed Dec. 6, 2013, which claims priority to U.S.Provisional Application No. 61/885,432, filed Oct. 1, 2013, the contentsof both of which are incorporated herein by reference in their entirety.

TECHNICAL FIELD

The disclosed implementations relate generally to verification ofinformation, and more specifically, to sharing verified identitydocuments between entities.

BACKGROUND

Verifying the identity of an individual or entity is a common occurrencefor many financial, business, and other transactions. For example,before an individual can open a checking account, a bank typicallyrequires that the individual establish that they are, in fact, who theyclaim to be. Traditionally, this requirement is satisfied by theindividual presenting a drivers' license and a recent utility bill, orother piece of official mail addressed to the individual. However, thiscan be cumbersome for the individual, who often has to physicallypresent the required documents to the requestor. Also, because theindividual typically must verify his or her identity to many differentinstitutions for many different purposes, it can become a nuisance tohave to repeatedly locate the particular information that is requestedand provide it to the requestor. This is also less than ideal for therequestor of the documents, who may not be competent to (or may not wantto) verify that the documents are legitimate, or may not want to storethe documents and deal with document security, privacy, retention, anddestruction issues.

Moreover, financial and other transactions are increasingly performedelectronically and/or over long distances. This may make it even moreimpractical for individuals to provide original copies of documents tothe requestor. Also, because the parties may not ever meet face-to-face,it places even more importance on accurate verification that theindividual is, or at least, is likely to be, who he or she claims to be.

SUMMARY

Accordingly, it would be advantageous to provide systems and methodsthat improve upon existing techniques for sharing verified identitydocuments of individuals or companies with others.

In accordance with some implementations, a method for sharing verifiedidentity documents is disclosed. The method is performed at one or moreelectronic devices (e.g., a client device and/or a server system) withone or more processors and memory storing one or more programs forexecution by the one or more processors. The client device obtainsidentity information of a user. The client device also obtains adocument. The client device extracts data from the document, theextracted data including extracted identity information. The clientdevice determines that the identity information of the user and theextracted identity information substantially match, and generates atleast one verification rating for the document. The client device sendsthe document, the data extracted from the document, and the at least oneverification rating to a server system remote from the client device.The server system stores the document, the data extracted from thedocument, and the at least one verification rating in association withan account of the user, wherein at least one of the document, the dataextracted from the document, and the at least one verification rating isstored in one or more encrypted containers. The server system receives,from a third party, a request for information associated with theaccount of the user, the information including at least one of thedocument, the data extracted from the document, and the at least oneverification rating. The server system sends a request to the clientdevice requesting authorization to release the information to the thirdparty. In response to receiving, from the client device, authorizationto release the information to the third party, the server system sendsthe information to the third party.

In accordance with some implementations, a computer system (e.g., aclient system or server system) includes one or more processors, memory,and one or more programs; the one or more programs are stored in thememory and configured to be executed by the one or more processors andthe one or more programs include instructions for performing theoperations of the method described above. In accordance with someimplementations, a non-transitory computer readable storage medium hasstored therein instructions which when executed by one or moreprocessors, cause a computer system (e.g., a client system or serversystem) to perform the operations of the methods described above.

The disclosed systems and methods obviate many logistical difficultiesfor both individuals and requesting parties. In particular, becausedocuments are shared electronically, users do not need to physicallypresent or mail original copies of documents to a requestor. Similarly,the requestor does not need to store or maintain original copies of thedocuments, reducing overhead and compliance risks. Moreover, because thedocuments are subject to verification tests, requesting entities canforgo independent verification of the documents, where appropriate, andcan be alerted to potentially fraudulent identity claims quickly andeasily. Finally, because the documents are encrypted and storedsecurely, both the individual and the requestor can be assured of theprivacy and security of the information.

BRIEF DESCRIPTION OF THE DRAWINGS

The implementations disclosed herein are illustrated by way of example,and not by way of limitation, in the figures of the accompanyingdrawings. Like reference numerals refer to corresponding partsthroughout the drawings.

FIG. 1 is a block diagram illustrating a client-server environment, inaccordance with some implementations.

FIG. 2 is a block diagram illustrating a client computer device, inaccordance with some implementations.

FIG. 3 is a block diagram illustrating an enterprise computer device, inaccordance with some implementations.

FIG. 4 is a block diagram illustrating a server computer device, inaccordance with some implementations.

FIGS. 5A-5D are flow diagrams illustrating a method of verifying auser's identity, in accordance with some implementations.

FIG. 6 is a flow diagram illustrating a method of verifying a document,in accordance with some implementations

DETAILED DESCRIPTION

Attention is now directed to the figures, and in particular to FIG. 1,which is a block diagram of a client-server environment 100, accordingto some implementations, in which efficient, secure, and convenientsharing of verified identity documents is possible. The client-serverenvironment 100 includes client devices 102-1 . . . 102-n, a server 104,and enterprise devices 108-1 . . . 108-n, all connected through anetwork 110. The network 110 includes any of a variety of networks,including wide area networks (WAN), local area networks (LAN), PersonalArea Networks, metropolitan area networks, VPNs, local peer-to-peer,ad-hoc connections, wireless networks, wired networks, the Internet, ora combination of such networks.

In some implementations, the client device 102-1 is associated with anindividual (or any entity that wishes to verify its identity to anotherparty), and is used to capture and/or process documents and otherinformation from an individual, as described herein. In someimplementations, the client device 102-1 includes a client application112 that facilitates the capture and/or processing of documents andother information (e.g., with an built-in or attached camera orscanner), and communicates with one or both of the server 104 and theenterprise device 108-1. In some implementations, the client application112 also generates verification ratings for documents, extractsinformation from the documents, and encrypts the documents (as well asthe verification ratings and extracted information) prior to sending thedocuments to the server 104. The client device 102-1 and the clientapplication 112, and the functions and methods that they perform, arediscussed herein. Any description(s) of the client device 102-1, or ofthe functions or methods performed by the client device 102-1, applyequally to any or all instances of the client devices 102-n. (Moreover,in some implementations, functions or methods described as beingassociated with or performed by the client device 102-1 are performed bythe enterprise device 108-1, such as when a bank or other financialinstitution creates preliminary accounts for its customers.) Exemplaryclient devices include a desktop computer, a laptop computer, a tabletcomputer, a mobile electronic device, a mobile phone (e.g., a“smartphone”), a digital media player, or any other appropriateelectronic device (or a kiosk housing any of the aforementioneddevices).

In some implementations, the enterprise device 108-1 is associated withan entity that requires identity verification from individuals or otherentities. In some implementations, the enterprise device 108-1 includesan enterprise application 114 that facilitates the requesting andreceipt of identity verification information from individuals orentities (e.g., via the server 104). In some implementations, theenterprise device 108-1 communicates with one or both of the server 104and the client device 102-1. The enterprise device 108-1 and theenterprise application 114, and the functions and methods that theyperform, are discussed herein. Any description(s) of the enterprisedevice 108-1, or of the functions or methods performed by the enterprisedevice 108-1, apply equally to any or all instances of the enterprisedevices 108-n. Exemplary enterprise devices include a desktop computer,a laptop computer, a tablet computer, a mobile electronic device, aserver computer (or server computer system), a mobile phone, a digitalmedia player, or any other appropriate electronic device (or a kioskhousing any of the aforementioned devices).

In some implementations, the server 104 is associated with a serviceprovider that can communicate, via the network 110 and/or othercommunication means, with multiple client devices (e.g., 102-n) andmultiple enterprise devices (e.g., 108-n) to provide and/or facilitatedocument sharing between entities. In some implementations, the server104 includes and/or communicates with a user information database 106.As described herein, the user information database 106 storesinformation associated with users, including, but not limited to,documents (e.g., images or other digital representations ofidentification documents, utility bills, etc.), containers from whichdocuments can be extracted, information extracted from documents, useraccount information, verification ratings, user scores, etc. In someimplementations, any or all of the foregoing information is encryptedsuch that only the user with whom the information is associated (andparties authorized by the user) can access and/or view the information.

Using the client-server environment 100 illustrated in FIG. 1, identityverification documents can be quickly and efficiently shared between anindividual and an institution or other entity, allowing the identity ofthe individual to be quickly and efficiently verified. In particular,and as described herein, the client device 102-1 is used to captureimages and/or files of documents that can be used for identityverification, such as government issued photo identification cardsand/or credentials (e.g., drivers' licenses, passports, etc.), utilitybills, and the like. For example, in some implementations, the clientdevice 102-1 is a smartphone with a digital camera, and an individualuses the camera to capture a photograph of a drivers' license and autility bill. The smartphone then extracts information from thephotographs of the documents, analyzes them, and generates averification rating for the documents. Then, the photographs, theinformation extracted from the photographs, and the verification ratingsare encrypted and sent to the server 104, which stores these items inthe user information database 106 in a secure manner.

A requesting entity then requests identity verification information froman individual (e.g., using the enterprise device 108-1), and a requestis sent to the individual (e.g., via the server 104). The individualthen uses the client device 102-1 and/or the client application 112 topartially or fully approve (or deny) the request. If the request isapproved by the individual (e.g., the individual authorizes therequesting entity to access to all or some of the requestedinformation), the requesting entity is granted access to the authorizedinformation via the server 104.

The present discussion generally refers to the entity whose identity isbeing verified as an individual or a “user.” However, identityverification for other entities is contemplated as well, such as forcompanies, trusts, partnerships, businesses, families, financialinstitutions, etc. Accordingly, any discussion relating to an individualor a user also applies to other entities or parties whose identity anddocuments are to be verified and/or shared.

FIG. 2 is a block diagram illustrating a client device 102-1, inaccordance with some implementations. While FIG. 2 illustrates oneinstance of a client device (i.e., client device 102-1), the figure andassociated description applies equally to any client device (e.g.,102-1-102-n).

In some implementations, the client device 102-1 is any of: a desktopcomputer, a laptop computer, a tablet computer, a mobile electronicdevice, a mobile phone, a digital media player, or any other appropriateelectronic device (or a kiosk housing any of the aforementioneddevices).

The client device 102-1 typically includes one or more CPUs 204, a userinterface 206, at least one network communications interface 212 (wiredand/or wireless), an image capture device 214, a positioning system 216,a biometric capture device 217, memory 218, and at least onecommunication bus 202 for interconnecting these components. Eachcommunication bus 202 may include circuitry (sometimes called a chipset)that interconnects and controls communications between systemcomponents. In some implementations, the user interface 206 includes adisplay 208 and input device(s) 210 (e.g., keyboard, mouse, touchscreen,keypads, etc.).

The image capture device 214 is any device that is capable of capturingan image of a real-world scene or object. In some implementations, theimage capture device 214 is a digital camera (including any appropriatelens(es), sensor(s), and other components). In some implementations, theimage capture device is a scanner (e.g., a flatbed document scanner). Insome implementations, the image capture device 214 is incorporated intoa common housing with the client device 102-1. For example, where theclient device 102-1 is a mobile phone, the image capture device 214 is adigital camera built into the mobile phone. As another example, wherethe client device 102-1 is a laptop computer, the image captured device214 is a digital camera built into the laptop computer (e.g., a“webcam”). Other possible image capture devices include 3-D scanners,3-D cameras, range cameras, motion sensing imaging devices, ultrasonicscanners, and the like.

In some implementations, the image capture device 214 is in a differenthousing than the client device 102-1. In one example, the client device102-1 is a laptop or desktop computer, and the image capture device 214is a separate scanner or camera that is able to be coupled to the clientdevice 102-1 to provide images to the client device (e.g., via wiredconnection, such as a wired network connection or a Universal Serial Busconnection, or via a wireless connection, such as WiFi, Bluetooth, orthe like).

The positioning system 216 includes devices and/or components fordetermining the location of the client device 102-1, including but notlimited to global positioning system (GPS) sensors, radio receivers(e.g., for cell-tower triangulation, WiFi-based positioning, etc.),inertial sensors, and accelerometers. In some implementations, theclient device 102-1 does not include (or does not rely on) a separatepositioning system 216. For example, where the client device 102-1 isconnected to the Internet (e.g., via the network communicationsinterface 212), the location of the client device 102-1 can bedetermined using IP address geolocation techniques. Other techniques fordetermining the location of the client device, including those that relyon an inbuilt or connected positioning system and those that do not, arealso contemplated.

The (optional) biometric capture device 217 includes devices and/orcomponents for capturing biometric data from a person. In someimplementations, the biometric capture device 217 is a fingerprintscanner. In some implementations, it is a retinal scanner. In someimplementations, it is a facial scanner. In some implementations it is avoice recognition scanner. In some implementations, the biometriccapture device 217 is a multi-purpose capture device that can capturemultiple types of biometric data from a user (e.g., handprints,fingerprints, facial images, etc.). In some implementations, thebiometric capture device 217 is incorporated with and/or cooperates withthe image capture device 214 (e.g., to capture images of a user's facefor facial recognition). In some implementations, images for biometricanalysis are captured using the image capture device 214, and noseparate biometric capture device is necessary. In such cases, thebiometric analysis may be performed using one or more software modules(e.g., the biometric analysis module 234, discussed below).

Memory 218 includes high-speed random access memory, such as DRAM, SRAM,DDR RAM, or other random access solid state memory devices, and mayinclude non-volatile memory, such as one or more magnetic disk storagedevices, optical disk storage devices, flash memory devices, or othernon-volatile solid state storage devices. Memory 218 may optionallyinclude one or more storage devices remotely located from the CPU(s) 204(e.g., a network-connected storage device or service, such as a “cloud”based storage service). Memory 218, or alternately the non-volatilememory device(s) within memory 218, includes a non-transitory computerreadable storage medium. In some implementations, memory 218 or thecomputer readable storage medium of memory 218 stores the followingprograms, modules and data structures, or a subset thereof:

-   -   an operating system 220 that includes procedures for handling        various basic system services and for performing hardware        dependent tasks;    -   a communication module 222 that is used for connecting the        client device 102-1 to other computers via the one or more        network communication interfaces 212 (wired or wireless) and one        or more communication networks, such as the Internet, other Wide        Area Networks, Local Area Networks, Personal Area Networks,        Metropolitan Area Networks, VPNs, local peer-to-peer and/or        ad-hoc connections, and so on;    -   a user interface module 224 that receives commands and/or inputs        from a user via the user interface 206 (e.g., from the input        device(s) 210, which may include keyboard(s), touch screen(s),        microphone(s), pointing device(s), and the like), and provides        user interface objects on a display (e.g., the display 208);    -   an image capture device module 226 (including, for example,        applications, drivers, etc.) that works in conjunction with the        image capture device 214 to capture images, such as images or        scans of physical documents, faces, real-world scenes, etc.;    -   a biometric capture device module 227 that works in conjunction        with the biometric capture device 217 (and/or the image capture        device 214) for capturing biometric data of a user, including        data relating to any appropriate physical characteristic of a        user, such as fingerprints, eyes, retinas, facial features,        voiceprints, handprints, etc.;    -   a positioning system module 228 that, in conjunction with the        positioning system 216, determines a current location (e.g.,        latitude and longitude, street address, city, state,        municipality, etc.) of the client device 102-1; and    -   one or more client application module(s) 230 for enabling the        client device 102-1 to perform the methods and/or techniques        described herein, the client application module(s) 230 including        but not limited to:        -   an account generation/confirmation module 231 for generating            an account with a service provider, including receiving            information about a user of the client device 102-1 (e.g.,            name, address, social security number, password, account            recovery questions/answers, biometric data, login            credentials, etc.), providing this information to a remote            device (e.g., the server 104) in order to create a unique            user account, and interacting with the remote device to            establish the user's account; the account            generation/confirmation module 231 also facilitates user            confirmation of account information that was provided to a            remote device (e.g., the server 104) by another entity            (e.g., a bank), as described herein;        -   a data extraction module 232 for extracting information from            documents obtained by the client device 102-1, including            extracting computer-readable text from documents, using            optical character recognition to recognize and extract            non-computer readable text from documents, as well as            locating and extracting photographs, images, holograms,            laser perforations, signatures, bar codes, Quick Response            (QR) codes, etc., and the like;        -   a biometric analysis module 234 for analyzing biometric            data, including determining whether sample biometric data            matches reference biometric data (e.g., for user            authentication purposes), determining whether a photograph            of a user extracted from a document matches a captured            photograph of the user (e.g., a photograph captured by the            image capture device 214), determining whether a voice            sample matches a prior approved voiceprint of the user etc.;        -   a document analysis module 236 for analyzing documents            (and/or information, photographs, or other content extracted            from documents), for example, to determine whether and/or to            what degree information extracted from the document matches            other information associated with the user (such as the            user's name, date of birth, address, etc.), the quality of            content extracted from the document (e.g., holograms, laser            perforations, etc.), and the like;        -   a verification rating module 238 for generating verification            ratings for documents;        -   an encryption/upload module 240 for encrypting documents,            biometric data, verification ratings, extracted data, and            the like, and uploading such information (either encrypted            or unencrypted) to a remote device (such as the server 104);        -   a request handling module 242 for receiving requests for            information (e.g., from the server 104, an enterprise device            108-n, and/or another client device 102-n), providing            prompts to a user of the client device 102-1 (e.g., via the            user interface 206), receiving partial or full            authorizations or denials of the requests from the user, and            responding to the requests with appropriate responses (e.g.,            by communicating with the server 104, an enterprise device            108-n, and/or another client device 102-n); and        -   an authorization management module 244 for enabling a user            to view, manage, grant, change, and/or modify            authorizations, including revoking previously granted            authorizations.

In some implementations, the client device 102-1 includes a subset ofthe components and modules shown in FIG. 2. Moreover, in someimplementations, the client device 102-1 includes additional componentsand/or modules not shown in FIG. 2.

FIG. 3 is a block diagram illustrating an enterprise device 108-1, inaccordance with some implementations. While FIG. 3 illustrates oneinstance of an enterprise device (i.e., enterprise device 108-1), thefigure and associated description applies equally to any enterprisedevice (e.g., 108-1-108-n).

In some implementations, the enterprise device 108-1 is any of: adesktop computer, a laptop computer, a tablet computer, a servercomputer (or server system), a mobile electronic device, a mobile phone,a digital media player, or any other appropriate electronic device (or akiosk housing any of the aforementioned devices).

The enterprise device 108-1 typically includes one or more CPUs 304, auser interface 306, at least one network communications interface 312(wired and/or wireless), an image capture device 314, memory 318, and atleast one communication bus 302 for interconnecting these components.Each communication bus 302 may include circuitry (sometimes called achipset) that interconnects and controls communications between systemcomponents. In some implementations, the user interface 306 includes adisplay 308 and input device(s) 310 (e.g., keyboard, mouse, touchscreen,keypads, etc.).

The image capture device 314 is any device that is capable of capturingan image of a real-world scene or object. In some implementations, theimage capture device 314 is a digital camera (including any appropriatelens(es), sensor(s), or other components). In some implementations, theimage capture device is a scanner (e.g., a flatbed scanner). In someimplementations, the image capture device 314 is incorporated into acommon housing with the enterprise device 108-1.

In some implementations, the image capture device 314 is in a differenthousing than the enterprise device 108-1. In one example, the enterprisedevice 108-1 is a laptop or desktop computer, and the image capturedevice 314 is a separate scanner or camera that is able to be coupled tothe enterprise device 108-1 to provide images to the enterprise device(e.g., via wired connection, such as a wired network connection or aUniversal Serial Bus connection, or via a wireless connection, such asWiFi, Bluetooth, or the like).

Memory 318 includes high-speed random access memory, such as DRAM, SRAM,DDR RAM, or other random access solid state memory devices, and mayinclude non-volatile memory, such as one or more magnetic disk storagedevices, optical disk storage devices, flash memory devices, or othernon-volatile solid state storage devices. Memory 318 may optionallyinclude one or more storage devices remotely located from the CPU(s)304. Memory 318, or alternately the non-volatile memory device(s) withinmemory 318, includes a non-transitory computer readable storage medium.In some implementations, memory 318 or the computer readable storagemedium of memory 318 stores the following programs, modules and datastructures, or a subset thereof:

-   -   an operating system 320 that includes procedures for handling        various basic system services and for performing hardware        dependent tasks;    -   a communication module 322 that is used for connecting the        enterprise device 108-1 to other computers via the one or more        network interfaces 312 (wired or wireless) and one or more        communication networks, such as the Internet, other Wide Area        Networks, Local Area Networks, Personal Area Networks,        Metropolitan Area Networks, VPNs, local peer-to-peer and/or        ad-hoc connections, and so on;    -   a user interface module 324 that receives commands and/or inputs        from a user via the user interface 306 (e.g., from the input        device(s) 310, which may include keyboard(s), touch screen(s),        microphone(s), pointing device(s), and the like), and provides        user interface objects on a display (e.g., the display 308);    -   an image capture device module 326 (including, for example,        applications, drivers, etc.) that works in conjunction with the        image capture device 314 to capture images, such as images or        scans of physical documents, faces, real-world scenes, etc.    -   one or more enterprise application module(s) 328 for enabling        the enterprise device 108-1 to perform the methods and/or        techniques described herein, the enterprise application        module(s) 328 including but not limited to:        -   one or more account generation module(s) 329 for generating            accounts with a service provider for one or more users based            on information already in possession of the entity operating            the enterprise device 108-1 (e.g., information and documents            that a user has already shared with an institution), the            account generation module(s) 329 including but not limited            to:            -   a data extraction module 330 for extracting information                from documents obtained by the enterprise device 108-1,                including extracting computer-readable text from                documents, using optical character recognition to                recognize and extract non-computer readable text from                documents, as well as locating and extracting                photographs, images, signatures, holograms, laser                perforations, bar codes, Quick Response (QR) codes,                etc., and the like;            -   a document analysis module 332 for analyzing documents                (and/or information, photographs, or other content                extracted from documents), for example, to determine                whether and/or to what degree information extracted from                the document matches other information associated with                the user (such as the user's name, date of birth,                address, etc.), the quality of content extracted from                the document (e.g., holograms, laser perforations,                etc.), and the like;            -   a verification rating module 334 for generating                verification ratings for documents; and            -   an encryption/upload module 336 for encrypting                documents, biometric data, verification ratings,                extracted data, user information (e.g., name, address,                social security number, etc.) and the like, and                uploading such information (either encrypted or                unencrypted) to a remote device (such as the server                104); and        -   one or more information access module(s) 338 for handling            requests for user information and handling information            received pursuant to those requests, the information access            module(s) 338 including but not limited to:            -   a request handling module 340 for receiving requests                from an operator of the enterprise device 108-1 (and/or                automatically generated requests) for user information,                and for communicating the requests for user information                to remote devices (e.g., such as the server 104 and/or a                client device 102-n);            -   an information receiving module 342 for receiving                information associated with a user (e.g., from the                server 104), including but not limited to documents,                data extracted from documents, verification ratings,                etc., and for receiving decryption keys (e.g., from the                server 104 and/or a client device 102-n); and            -   a security/decryption module 344 for determining access                rights to information associated with a user and for                decrypting information associated with a user; and        -   a user information database 346 for storing user information            (e.g., received from the server 104), including but not            limited to documents, data extracted from documents,            verification ratings, decryption keys, etc.

In some implementations, the enterprise device 108-1 includes a subsetof the components and modules shown in FIG. 3. Moreover, in someimplementations, the enterprise device 108-1 includes additionalcomponents and/or modules not shown in FIG. 3.

FIG. 4 is a block diagram illustrating a server 104, in accordance withsome implementations. In some implementations, the server 104 is any of:a desktop computer, a laptop computer, a tablet computer, a servercomputer (or server system), a mobile electronic device, a mobile phone,a digital media player, or any other appropriate electronic device (or akiosk housing any of the aforementioned devices).

The server 104 typically includes one or more CPUs 404, a user interface406, at least one network communications interface 412 (wired and/orwireless), memory 414, and at least one communication bus 402 forinterconnecting these components. Each communication bus 402 may includecircuitry (sometimes called a chipset) that interconnects and controlscommunications between system components. In some implementations, theuser interface 406 includes a display 408 and input device(s) 410 (e.g.,keyboard, mouse, touchscreen, keypads, etc.).

Memory 414 includes high-speed random access memory, such as DRAM, SRAM,DDR RAM, or other random access solid state memory devices, and mayinclude non-volatile memory, such as one or more magnetic disk storagedevices, optical disk storage devices, flash memory devices, or othernon-volatile solid state storage devices. Memory 414 may optionallyinclude one or more storage devices remotely located from the CPU(s)404. Memory 414, or alternately the non-volatile memory device(s) withinmemory 414, includes a non-transitory computer readable storage medium.In some implementations, memory 414 or the computer readable storagemedium of memory 414 stores the following programs, modules and datastructures, or a subset thereof:

-   -   an operating system 416 that includes procedures for handling        various basic system services and for performing hardware        dependent tasks;    -   a communication module 418 that is used for connecting the        server 104 to other computers via the one or more network        interfaces 412 (wired or wireless) and one or more communication        networks, such as the Internet, other Wide Area Networks, Local        Area Networks, Personal Area Networks, Metropolitan Area        Networks, VPNs, local peer-to-peer and/or ad-hoc connections,        and so on;    -   a user interface module 420 that receives commands and/or inputs        from a user via the user interface 406 (e.g., from the input        device(s) 410, which may include keyboard(s), touch screen(s),        microphone(s), pointing device(s), and the like), and provides        user interface objects on a display (e.g., the display 408);    -   one or more server application module(s) 422 for enabling the        server 104 to perform the methods and/or techniques described        herein, the server application module(s) 422 including but not        limited to:        -   an account generation module 424 for generating accounts for            users based on information provided (and/or verified) by the            users or by other entities, and storing the accounts (and            associated information) in the user account database 106;        -   a receiving module 426 for receiving information from remote            devices (e.g., client devices 102-n, enterprise devices            108-n), including but not limited to: documents,            verification ratings, data extracted from documents, account            information (e.g., name, address, social security number,            password, account recovery questions/answers, biometric            data, login credentials, etc.), etc.;        -   an optional encryption module 428 for encrypting user            information (including but not limited to documents,            verification ratings, data extracted from documents, account            information) for secure storage in the user information            database 106, if the user information was not encrypted            before it was received by the server 104;        -   a request handling module 430 for receiving and processing            requests for information associated with respective users            (e.g., from an enterprise device 108-n), sending            authorization requests to the respective users (e.g., to a            client device 102-n), and receiving authorizations from the            respective users to allow access to the requested            information (or a subset or superset of the requested            information);        -   an information packaging/encrypting module 432 for            gathering, packaging, and encrypting user information            (including but not limited to documents, verification            ratings, data extracted from documents, account information)            to be sent to or otherwise accessed by a requestor (e.g., an            enterprise device 108-n), and for sending the information to            the requestor;        -   an access management module 434 for determining whether to            allow requesting entities to access user information (e.g.,            based on permissions granted and/or denied by the respective            users, time limits imposed by users and/or regulatory            agencies, or any other appropriate permissions, limits,            criteria, etc.); and        -   a user information database 106 that includes information            associated with a plurality of users.

FIG. 4 further illustrates a portion of the user information database106 relating to a user account 436 for an exemplary user “n.” The useraccount 436 includes but is not limited to:

-   -   account information 438 associated with the user (e.g., name,        address, social security number, password, account recovery        questions/answers, biometric data, login credentials, etc.);    -   document(s) 440 associated with the user, including any        appropriate documents, files, containers, data/content extracted        from documents, etc., as well as archived sets of the above        information and/or documents, enriched sets of documents (e.g.,        made by updating existing documents with subsequent        updated/revised versions of the same document);    -   verification rating(s) 442, including verification ratings for        all or a subset of the document(s) 440, composite verification        ratings (e.g., verification ratings based on a plurality of        tests), a user score, and the like; and    -   permission data 444, including active and historical permissions        granted by a user for requesting or authorized entities.

In some implementations, any or all of the user information in the userinformation database 106 is encrypted. Moreover, in someimplementations, the service provider does not possess decryption keysfor the user information. Accordingly, the service provider and/or theserver 104 is not able to decrypt, view, read, or modify userinformation.

In some implementations, the server 104 includes a subset of thecomponents and modules shown in FIG. 4. Moreover, in someimplementations, the server 104 includes additional components and/ormodules not shown in FIG. 4.

FIGS. 5A-5D are flow diagrams illustrating a method 500 for sharingverified identity documents, in accordance with some implementations.Each of the operations shown in FIGS. 5A-5D may correspond toinstructions stored in a computer memory or computer readable storagemedium. In some implementations, the steps are performed at anelectronic device with one or more processors (or cores) and memorystoring one or more programs for execution by the one or more processors(or cores). For example, in some implementations, the steps areperformed at any one (or any combination) of the client device 102-1,the server 104, and the enterprise device 108-1. Moreover, theindividual steps of the method may be distributed among the multipleelectronic devices in any appropriate manner.

Any or all of the communications between devices described with respectto FIGS. 5A-5D are, in some implementations, secured and/or encryptedusing any appropriate security and/or encryption techniques, includingbut not limited to Hypertext Transport Protocol Secure (HTTPS), SecureSockets Layer (SSL), Transport Layer Security (TLS), Secure Shell (SSH),Internet Protocol Security (IPSec), public key encryption, and the like(including any appropriate yet to be developed security and/orencryption method).

An account is created with a service provider (502) (e.g., with theaccount generation/confirmation module 231). In some implementations, aspart of creating the account (i.e., account enrollment/registration), auser provides to the client device 102-1 identity information, such as aname, gender, date of birth, address, social security number, residency,etc. In some implementations, the user provides login information, suchas a username, password, and identity verification questions/responses(e.g., mother's maiden name, father's middle name, city of birth, etc.)In some implementations, the user provides other information as well,such as: a signature (e.g., a photograph/image of a signature, or asignature input directly into the client device 102-1, such as with atouch-sensitive screen and a stylus), a photograph, a username, afingerprint biometric, a voiceprint biometric, a facial biometric, a zipcode, and an account number.

The client device 102-1 communicates with the server 104 to register theuser account, which includes the server 104 receiving and/or storingaccount information and/or identity information provided by the user(501) (e.g., with the account generation module 424).

The client device 102-1 obtains a document (504). Documents obtained bythe client device 102-1 from a user are provided to requesting entitiesto help verify the user's identity. Exemplary documents include drivers'licenses, national identity cards, birth certificates, passports, socialsecurity cards, marriage certificates, utility bills, government issuedphoto identification cards, and the like. In the present discussion,documents are any appropriate type of digital file, includingcomputer-readable, text-based files (e.g., word processing files,spreadsheet files, computer-generated bills, etc.), or images ofphysical documents (e.g., scans, digital photographs, etc.), either ofwhich can be stored as or represented in any appropriate file type, fileformat, etc. (e.g., PDF files, JPEG files, GIF files, TIFF files, DOCfiles, etc.). Moreover, where the term “document” is used, thecorresponding discussion may relate to a computer-readable version of adocument, a physical version of a document, or both, depending on thecontext of the discussion. One of ordinary skill in the art willrecognize where the discussion relates to computer-readable versions ofa document and where the discussion relates to physical versions of adocument.

In some implementations, the document is obtained by capturing a digitalimage of a physical document (e.g., with the image capture device 214and/or the image capture device module 226). For example, where theclient device 102-1 is a mobile phone with a built-in camera, the usertakes a snapshot of a document using the camera. As another example,where the client device 102-1 is a laptop or desktop computer connectedto a flatbed seamier, the user obtains a scan of the document using thescanner.

In some implementations, the document is obtained by retrieving it fromthe memory of an electronic device. For example, documents may be storedas a digital file in memory associated with and/or otherwise availableto the client device 102-1. Accordingly, a user can point the clientapplication 230 to a particular document by navigating to the file via afile browser, or directly entering a memory location (e.g., file path)of the file. The client device 102-1 then obtains the document from thespecified location.

The client device 102-1 extracts data from the document (506) (e.g.,with the data extraction module 232). In some implementations, extracteddata includes identity information (e.g., name, address, phone number,social security number, etc.).

In some implementations, extracted data includes text data. Text data isextracted either directly from documents having computer-readable text,or extracted after performing optical character recognition on an imageof a document (or both). In some implementations, extracted dataincludes biometric data, for example, from a photograph contained in thedocument. Biometric data is extracted using facial or other biometricrecognition/extraction techniques. Other data may be extracted as well,including images of a signature, images of the user, other images,holograms, laser perforations, bar codes, QR codes, etc.

The client device 102 then determines that the identity informationextracted from the document substantially matches the identityinformation associated with the user's account (508) (e.g., with thedocument analysis module 236). For example, the extracted identityinformation (e.g., the name extracted from a drivers' license) iscompared to the user's account (e.g., the name that the user suppliedwhen creating the account) to confirm that the document is associatedwith the account holder (i.e., the information on the two documentsmatches or substantially matches). Thus, if a user attempts to uploadsomeone else's drivers' license, the client device 102-1 recognizes thatthe document is not associated with the user, and can reject thedocument, reduce or adjust a verification rating for that document, flagthe document, request corroborating or additional information, or takeother remedial actions.

In some implementations, the client device 102-1 performs one or moreadditional tests of the document (e.g., with the document analysismodule 236). For example, in some implementations, the client device102-1 determines whether a dated document (e.g., a utility bill or anyother document having an issue date, mailing date, expiration date, duedate, etc.) was issued within a predetermined recency window withrespect to the current date (e.g., 30, 60, or 90 days, or any otherappropriate window). As another example, in some implementations, theclient device 102-1 identifies, from the data extracted from thedocument, an expiration date of the document, and determines whether theexpiration date of the document is after a current date (i.e., thedocument has not expired). In these examples, the current date may bedetermined by referencing a system date of the client device 102-1, orcalling out to a remote device or service (e.g., the server 104, atelecommunications service) and receiving a current date. Such tests canhelp ensure that a user does use old or outdated documents, which may bean indicator that the information contained thereon is not accurate.Other tests may also be performed.

In some implementations, the client device 102-1 determines whether asystem date of the client device substantially matches a reference dateprovided by a remote device. This test can help identify attempts totamper with the system date of the client device 102-1, which may beattempted by users to enable them to upload a document that isout-of-date or expired. If the system date of the client device does notsubstantially match the reference date, remedial measures can be taken.For example, the client device 102-1 and/or the server 104 will preventthe user from uploading the document, adjust a verification rating forthe document, flag the user's account for further review or scrutiny, orthe like.

In some implementations, if the document meets the criteria of theadditional tests, the document is permitted to be uploaded to the user'saccount, and if the document does not meet the criteria of theadditional tests, the document is rejected and cannot be uploaded to theuser's account. In other implementations, the document is uploaded tothe user's account regardless of whether the criteria are met, but theverification rating (discussed below) is adjusted or otherwise reflectswhether or not (or the degree to which) the criteria are satisfied.

The client device 102-1 then generates at least one verification ratingfor the document (510) (e.g., with the verification rating module 238).The verification rating, discussed in greater detail below, indicates adegree of confidence that the document is authentic and/or is actuallyassociated with the user. In particular, the accuracy of identityverification is limited by the level of trust that can be placed on theauthenticity of the documents. For example, a fraudulent drivers'license or passport cannot be trusted to accurately identify the personwho is presenting it. Accordingly, the client device 102-1 performs oneor more tests on the document (i.e., the image of the document) todetermine its authenticity and whether it actually identifies the user.One specific example of such a test is a comparison between biometricdata in a photograph on the document and biometric data in a photographof the user captured by the client device 102-1, which is performed bythe biometric analysis module 234. If it is determined that a face inthe photograph from the document matches the recently capturedphotograph of the user, there is a higher likelihood that the drivers'license is associated with the person in the photograph, and theverification rating will reflect this higher confidence (e.g., with arelatively higher rating). On the other hand, if the faces do not match(or if they match to a lesser degree), then the verification rating willreflect this lower confidence (e.g., with a relatively lower rating).

In some implementations, verification ratings are generated by theclient device 102-1 alone. Thus, the documents, which contain sensitiveidentity information, do not leave the possession of the user. In someimplementations, if other devices are used to assist in generatingverification ratings (e.g., the server), any information sent to theother devices is encrypted, obfuscated, and/or stripped of anyidentifying information, so that the user's privacy and the security ofthe documents is maintained.

In some implementations, the client device 102-1 encrypts the document,the extracted data, and the verification rating (512) (e.g., with theencryption/upload module 240). The client device 102-1 then sends thedocument, extracted data, and the rating (e.g., one or more encrypteddata files) to the server 104 at step (514) (e.g., with theencryption/upload module 240).

In some implementations, the client device 102-1 generates one or morecontainers (i.e., containers) including any combination of the document,the extracted data, and the verification rating, and sends thecontainer(s) to the server 104 at step (514). In some implementations,containers are collections of individual files (e.g., a zip file). Insome implementations, containers are complex data structures thatinclude information from which one or more different files and/ordocuments (including, for example, an image of a document, dataextracted from a document, and the like) can be extracted orconstructed, even though the files and/or documents are not representedin the containers as discrete files.

In some implementations, the one or more containers include at least afirst file that includes the document and a second file that includesthe information extracted from the document. In some implementations,the one or more containers include a third file that includes the atleast one verification rating. In some implementations, the at least oneverification rating includes a plurality of verification ratings (e.g.,including a verification rating for each document in the one or morecontainers, composite verification ratings, a user score, etc.). (Wherethe container is a complex data type, the container includes data fromwhich such files and/or information can be extracted/constructed, asdiscussed above.)

In some implementations, the client device 102-1 performs steps(504)-(514), or a subset thereof, for one or more additional documents.For example, images of multiple documents are captured (504), and, foreach document, the client device 102-1 extracts data (506), determinesthat the identity information matches (508), generates a verificationrating (510), encrypts the document, rating, and extracted data (512),and sends these items to the server (514). In some implementations,these multiple documents are combined in the container for sending tothe server.

The server 104 receives the document, extracted data, and the rating(516) (e.g., with the information receiving module 342, FIG. 3). In someimplementations, these items are received as a container, as describedabove.

In some implementations, user accounts are assigned a status, whichreflects particular information about the account, and determines howthe account and/or the information and documents associated with theaccount can be used. In some implementations, the status of an accountreflects whether the account includes a required amount and/or type ofdocuments and user information, or whether the account is deficient inone or more areas. In some implementations, if the account includes therequired documents and/or information, its status is “complete,” and ifthe account is deficient in one or more ways, its status is “pending.”Other statuses, and other labels for the described statuses, are alsoassigned to accounts in various implementations.

In some cases, an account is considered “complete” if it includes agovernment issued photo identification document and a utility bill, aswell as a name and address of the user. In other implementations, moreor fewer documents or items of information are required in order for anaccount to be considered complete. The particular documents and/orinformation that amount to a “complete” account is, in some cases,determined based on regulations, laws, guidelines, or customs of anapplicable jurisdiction. In some implementations, the jurisdiction is ajurisdiction of the account holder, a jurisdiction of an institution orentity that is requesting the documents/information, a jurisdictiongoverning a transaction between an account holder and a requestinginstitution or entity, or any other appropriate jurisdiction orcombination of jurisdictions.

In some cases, an account is considered “pending” if the account lacksparticular documents or items of information that are required of a“complete” account. An account can also be assigned a “pending” statusbased on other conditions. For example, an account can be “pending” if adocument or item of information is expired or otherwise out of date. Asa specific example, if a passport associated with a user account becomesexpired after it is uploaded to the user's account, the account isassigned a “pending” status. As another example, if there is no recentutility bill (e.g., mailed/issued within 90 days of a current date)associated with the account, the account is assigned a “pending” status.Other conditions can also cause an account to be assigned a “pending”status, in various implementations.

In some implementations, only a “complete” account can be used by a userto share documents with other parties. Thus, if a user's account is“pending,” the user must provide the missing document(s), information,or perform the required tests (discussed herein) in order to completethe account before the user can authorize other parties to access his orher documents and/or information.

The foregoing discussion describes how users create accounts and uploaddocuments with the client device 102-1. In particular, the client device102-1, along with one or more modules in the memory 218, performs steps(502) through (514). In some cases, however, other users of the systemcan create accounts for other users. For example, an institution maydecide to use a service provider to access identity verificationinformation for individuals or other entities with whom the banktransacts. Accordingly, the institution may wish to create accounts forsome or all individuals for whom it already has identity information,identification documents, and the like. Accordingly, in someimplementations, an enterprise device 108-1 includes an accountgeneration module 329 for creating accounts for multiple users. Inparticular, the enterprise device 108-1 uses the account generationmodule 329 to perform steps (502-m) through (514-m). Steps (502-m)through (514-m) are analogous to steps (502) through (514), and areperformed using modules analogous to those modules of the client device102-1 that perform those steps on the client device, as described above(e.g., including the data extraction module 330, the document analysismodule 332, the verification rating module 334, and theencryption/upload module 336, FIG. 3).

While an institution can create an account for a user, in someimplementations, until the account is complete (i.e., contains all theinformation and/or documents required to establish a complete account),or until the user approves the account and the information and/ordocuments associated with the account, the account is given a “pending”status. Once the institution and/or the user complete the account (e.g.,by providing any missing information and/or documents, and/or byapproving information and/or documents uploaded by the institution), theaccount is given a “complete” status.

In some implementations, accounts created for users by an institutionare not uploaded to the service provider (i.e., the server 104) untilthe user associated with the account has approved and/or completed theaccount. This way, the server 104 does not need to store and/or manageincomplete and/or pending accounts that will never be completed and/orapproved by a user (e.g., because the user does not wish to or has noneed to establish the account, or any other appropriate reason).Instead, account information for such accounts is stored in memoryassociated with the enterprise device 108-1 (e.g., the user informationdatabase 346).

Turning to FIG. 5B, in implementations where the document, verificationrating, and extracted data were not encrypted by the client device 102-1(or the enterprise device 108-1) prior to being sent to the server 104,they are encrypted by the server 104 for storage (518) (e.g., with theencryption module 428).

The server 104 stores the document, extracted data, and the verificationrating (520) (e.g., in the user information database 106). In someimplementations, where the information is encrypted on the client device102-1 prior to being sent to the server 104, the server 104 is unable todecrypt the information. Accordingly, users can be assured of theprivacy and security of their information, while institutions (and otherrequesting entities) can be assured that the information has not beentampered with or otherwise altered (or even viewed) by the serviceprovider.

When an institution wishes to access the documentation and/orinformation necessary in order to verify the identity of an individual,an operator uses the enterprise device 108-1 to request informationassociated with the individual, and the enterprise device 108-1 receivesthis request (522) (e.g., with the request handling module 340). In someimplementations, the user requests a particular set of documents andinformation (i.e., distinct information items associated with the useraccount). For example, a bank may request information such as the user'sname, home address, social security number (all of which may be storedby the service provider as part of the user's account information), aswell as an image of the user's drivers' license and a recent utilitybill and verification ratings for those documents.

In some implementations, the request includes access limits relating tothe scope of the access that is to be granted to the requestor, such asa window of time in which the requestor will be permitted to access theinformation, the number of times that the requestor will be permitted toaccess the information, etc. In some implementations, the requestorincludes such information in its request to the server 104. For example,a bank may request a user's drivers' license and recent utility bill,and specify that it needs to access this information only once.Alternatively, a bank may request this information and specify that itneeds to access updated copies of it at any time (and as many times asdesired) while the account remains open and/or for a specified length oftime (e.g., as specified by a user). Other appropriate access limits ortime windows (or any other constraints on access to the information) areenvisioned as well.

The enterprise device 108-1 then sends the request for the informationto the server 104 at step (524) (e.g., with the request handling module340).

The server 104 receives the request for information associated with theaccount of the user (the information including at least one of adocument, data extracted from a document, and at least one verificationrating) from the enterprise device 108-1 at step (526) (e.g., with therequest handling module 430), and sends a request to the client device102-1 requesting authorization to release the requested information tothe requestor (528) (e.g., with the request handling module 430). Insome implementations, the client device 102-1 provides a notification oralert indicating that a request has been received or is available to beviewed. In some implementations, the notification or alert is or isincluded in an email, text message, application alert, or any otherappropriate message using any appropriate messaging technique orprotocol. In some implementations, the server 104 sends the notificationor alert to the client device 102-1 before sending the request to theclient device 102-1, and the request is sent to the client device 102-1once the user logs in to his or her account via the client device 102-1(e.g., in response to the notification or alert).

The client device 102-1 receives the authorization request (530). Theuser securely logs onto the client device and can then review therequest. The client device 102-1 then prompts the user to partially orfully authorize or deny access to the requested information (e.g., withthe request handling module 242). If the client device 102-1 receivesauthorization from the user to allow access (532), it sends anauthorization to the server 104 to release the authorized information tothe requestor (534, FIG. 5C) (e.g., with the request handling module242). In some implementations, the authorization request that ispresented to a user identifies particular documents and/or informationbeing requested. Furthermore, in some implementations, the authorizationrequest identifies the access limits (or lack thereof) requested by therequestor. For example, as described above, the request may state that abank has requested access to the user's drivers' license and a utilitybill, and that they want to be able to view (or download an updated copyof) the documents at any time while the user has an account with thebank, or for any other specified time. Thus, the user is able todetermine whether or not to allow access according to the request.

In some implementations, the information requested and/or the accesslimits are non-negotiable. For example, a bank may be required by law tomaintain records of certain information of the entities with which ittransacts. Accordingly, should the user deny access to that information,the bank will be unable to engage in the subject transaction (e.g.,opening a bank account, line of credit, etc.).

On the other hand, in some implementations, the information requestedand/or the access limits are negotiable and/or selectable by the user.For example, a bank may request access to more information and/or feweraccess limits than are strictly necessary for a particular transactionor relationship. The user can then refuse to authorize the full scope ofthe request, and instead authorize access to fewer or differentdocuments and/or information, as well as different access limits. Insome implementations, the user is informed of any minimum accessrequirements necessary for a particular transaction so that the user canmake an informed decision as to what access limits to allow.

In some implementations, a request includes multiple differentauthorization request packages, each including a different combinationof requested documents, information, and/or access limits, and the userselects which authorization request package to approve. Here too, theuser can be informed of the minimum document and access requirementsnecessary for the requesting entity to be able to engage in a particulartransaction.

Continuing on FIG. 5C, the server 104 receives the authorization torelease the information to the third party (536) (e.g., with the requesthandling module 430).

The server 104 then creates an information package including therequested information (538) (e.g., with the informationpackaging/encrypting module 432). For example, the server 104 locatesthe requested documents, extracted data, verification ratings, etc.,and, if necessary, extracts/constructs these items from a container. Theinformation package is any appropriate file, container, composite file,or group of separate files that contain the requested information.

In some implementations, the server 104 encrypts the information package(540) (e.g., with the information packaging/encrypting module 432). Insome implementations, the information that constitutes the informationpackage is already encrypted (e.g., having been encrypted by the clientdevice 102-1, the server 104, or the enterprise device 108-1 prior tobeing stored in the user information database 106). In someimplementations, client-based encryption can only be decrypted by a keygenerated by and/or known to the client device 102-1. Accordingly, insome implementations, the server 104 does not encrypt the informationpackage at this stage.

However, in some implementations, the server 104 encrypts thealready-encrypted information again at step (540). This secondaryencryption can be used to enable and/or enforce access limits byproviding an encryption layer that is controlled by the server 104. Forexample, as described herein, the enterprise device 108-1 may have toreceive authorization from the server 104 each time it wants to view theinformation that it receives, even if the information is stored locallyon the enterprise device 108-1. Accordingly, the enterprise device 108-1communicates with the server 104 in order to obtain the necessarypermissions (and/or decryption keys or codes) before it can access theinformation.

Returning to FIG. 5C, the server 104 sends the information package tothe enterprise device 108-1 (542) (e.g., with the informationpackaging/encrypting module 432). In some implementations where theserver 104 encrypted the information (540), the information package issent with a first decryption key that is able to decrypt the informationpackage. On the other hand, in some implementations, the firstdecryption key is not included with the information package even if itwas encrypted by the server at (540). In such cases, the enterprisedevice 108-1 receives the decryption key at a later time, such as whenan operator of the enterprise device attempts to access and/or view theinformation.

The enterprise device 108-1 receives the information package, and theoptional first decryption key (544) (e.g., with the informationreceiving module 342). In some implementations, the enterprise device108-1 stores the information package in a local database 346, forexample, to satisfy record keeping requirements and regulations. Evenwhen the information is stored in a local database, in someimplementations, the enterprise device 108-1 cannot view the informationwithout first communicating with the server 104 to determine whether itis permitted to do so, as discussed herein.

As noted above, if the user approves a request for information, theclient device 102-1 sends an authorization message to the server 104(534). In some implementations, if the user approves the request forinformation (or a subset or superset of the information), it alsogenerates a second decryption key for decrypting the requestedinformation (546) (e.g., with the encryption/upload module 240). In someimplementations, the decryption key is generated prior to receiving theauthorization request.

In some implementations, the client device 102-1 must generate thedecryption key, because it is the only device that can do so. That way,view access to the information remains under the control of the user,and only the user and entities authorized by the user can decrypt andview the information.

The client device 102-1 sends the second decryption key to theenterprise device 108-1 (e.g., with the encryption/upload module 240).The enterprise device 108-1 receives the second decryption key (550)(e.g., with the information receiving module 342).

The enterprise device 108-1 then decrypts the information package (552)(e.g., with the security/decryption module 344). In someimplementations, decrypting the information includes first decryptingthe information package using the first decryption key (to remove theencryption applied by the server 104), and then decrypting theinformation contained in the information package with the seconddecryption key (to remove the encryption applied by the client device102-1).

Turning to FIG. 5D, the enterprise device 108-1 receives, from anoperator, a subsequent request for the information package (554) (e.g.,with the request handling module 338), and sends the subsequent requestfor the information package to the server 104 (556) (e.g., with therequest handling module 338). In some implementations, the subsequentrequest for the information package is a request for all of theinformation that was in the original request. In other implementations,the subsequent request includes a request for only a subset of theinformation in the original request.

Moreover, requests may also specify that the information should includethe most up-to-date versions of the requested information. Thus, if theuser has uploaded a new drivers' license or utility bill since theinformation was previously received, the new information will beprovided (subject to the access permissions associated with the originalrequest). On the other hand, the request may also specify that theinformation should include the information as it was at the time of theoriginal request. In some implementations, whether a requesting entityis permitted to access updated versions of documents and information (orwhether they are only permitted to access the versions available at thetime of the original request) is specified in the access permissionsdiscussed with respect to steps (524)-(532).

The server 104 receives the subsequent request for the informationpackage (558) (e.g., with the request handling module 430), anddetermines access permissions (560) (e.g., with the access managementmodule 434). For example, the server 104 determines whether thesubsequent request is permitted by the original authorization from theuser. The access permissions include content permissions (e.g., whetherthe requestor is permitted to access a particular document, rating, orother information), and/or time/frequency permissions (e.g., whether therequest satisfies time window and/or access frequency limits imposed bythe user).

If access is permitted (562, Yes), then the server 104 provides accessto the requested information (564). In some implementations, providingaccess (564) includes packaging, encrypting, and sending the requestedinformation to the enterprise device 108-1 as in steps (538)-(544). Insome implementations, providing access (564) includes providing adecryption key (or other access token) to enable the enterprise device108-1 to decrypt or otherwise access information that is already storedby the enterprise device 108-1 (e.g., in the user information database346). The enterprise device 108-1 then accesses the information package(566).

If access is not permitted (563, No), then the server 104 denies accessto the requested information (568) (e.g., with the access managementmodule 434).

As noted above, verification ratings are generated for documentsobtained by the client device 102-1 or by the enterprise device 108-1.Verification ratings are based on, derived from, or otherwise reflectthe results of one or more tests. Verification ratings, in someimplementations, indicate a degree to which a document is authenticand/or actually relates to a particular user. As an example, a documentthat appears to be a forgery will likely have a lower rating than adocument that does not appear to be a forgery. As another example, adocument that appears to be expired will likely have a lower rating thanone that is still valid. As yet another example, a document that appearsto indicate an address that is different than the user's currentlocation will likely have a lower rating than one that has an addressfalling at or near the user's current location. Because verificationratings can reflect the results of various different tests and/orcharacteristics, the foregoing descriptions of how test results affectthe verification rating are merely exemplary, and are not necessarilydispositive of how any particular verification rating will be affectedby the various results. For example, a document that has a highlikelihood of being a forgery, but all of the information on thedocument is otherwise correct (e.g., a name and address on the documentmatch the user's account information, and a photograph on the documentis a biometric match to a photograph of the user) may actually have ahigher rating than a document that does not appear fraudulent, butincludes information that does not match that of the user's account(e.g., the name, address, and biometric information indicates that thedocument does not relate to the user at all).

In some implementations, each of a plurality of tests performed on orfor a document results in a distinct verification rating, and all of theverification ratings for the document are combined to create a compositeverification rating for the document. The composite verification ratingis generated in any appropriate manner, including using an average(e.g., an arithmetic mean, weighted mean, etc.) of the verificationratings generated by each respective verification test, an algorithm, orany other appropriate combination of verification ratings and/or otherinformation (e.g., summing the results of each test).

Verification ratings for each test employ any appropriate rating orscoring scale. For example, in some implementations, verificationratings use a numeric scale, such as 1-100, 1-10, 1-5, or any otherappropriate range (e.g., a letter grade range, such as A-F, A-Z, etc.).Such scales are used for tests that produce a range of results and/orindicate a level or degree of satisfaction of one or more criteria. Asone specific example, a test that determines the extent to which aphotograph extracted from a document matches a reference photograph of auser can be rated using a scale (e.g., based on the matching algorithm,a rating of 100% indicates a good match, 70% indicates a partial match,0% indicates a low or zero likelihood of match).

In some implementations, verification ratings are binary or “pass/fail”(which may be indicated in any way, such as with a check mark or greencircle for pass, and an “X” or a red circle for fail). In such cases,whether a document is assigned a pass or a fail rating is based on anyone or more tests of the document and/or its contents. Specific examplesof tests are described herein.

In some implementations, tests result in both a “pass/fail” rating and anumerical rating (e.g., between 1 and 100). In some implementations,whether a test results in a pass or fail rating is based on thenumerical rating (e.g., lower than 50 out of 100 results in a fail).

Moreover, in some implementations, composite verification ratings aregenerated for documents. The composite verification rating is based atleast partially on a plurality of verification ratings from a pluralityof tests (as described herein). Composite verification ratings arecreated from any appropriate combination of the verification ratingsfrom individual tests. For example, a composite verification rating canbe an average of individual verification ratings, or an additive rating(e.g., each individual rating is based on a 0-10 scale, and thecomposite rating is the sum of all individual ratings).

In some implementations, a “user score” is generated for a user'saccount, based at least in part on the verification ratings (and/orcomposite verification ratings) of the documents associated with a user.In some implementations, the user score is also or instead based onother information, such as the completeness of a user account, thirdparty identity verifications/corroborations, etc.

In some implementations, the user score also reflects the various typesof documents that have been provided by a user. For example, if a userprovides documents that were not issued by a government (e.g., utilitybills, student identification cards, credit cards, etc.), the user scorewill be lower than if the user has provided government issued documents(e.g., a passport, drivers' license, etc.).

As noted above, various tests can be applied in various implementationsto generate verification ratings. Exemplary tests are discussed below.Each test may affect the verification rating in various ways. Forexample, some tests result in a qualitative analysis of a document, suchas a confidence value, a quality value, a rating, or the like. In suchcases, verification ratings may be at least partially based on and/orreflect the results of the qualitative analysis. For example, in someimplementations, a verification rating is scaled based on the results ofthe qualitative analysis, such that a lower result reduces theverification rating for a document, and a higher result increases (ordoes not affect) the verification rating.

Some tests result in a quantitative and/or discrete result, such aswhether or not a match is determined, whether or not an expected resultis found, or the like. Similarly, in some cases, qualitative analysisresults are compared against threshold conditions, resulting in adiscrete result (e.g., the threshold condition is either satisfied or itis not). In some implementations, discrete results reduce and/orincrease a verification rating, depending on the result (e.g., a failedtest reduces a verification rating by a predetermined amount). In someimplementations, discrete results act as a threshold for acceptance ofthe document. For example, if a document does not satisfy a particularthreshold (e.g., an expected watermark is absent), the document isrejected and no verification rating is provided for the document (e.g.,because it is likely that the document is fraudulent).

The tests described herein can be combined in any appropriate way. Forexample, in some implementations, some tests are used to generate anumerical verification rating, while others are used to determinewhether to accept or reject a document (e.g., pass/fail conditions).Moreover, verification ratings for documents are sometimes described asbeing “based on” the results of one or more of the following tests. Asused herein “based on” means either “exclusively based on” (i.e., basedonly on), or “at least partially based on.”

Address Confirmation

In some implementations, residency and/or address information extractedfrom documents is compared against location information of the user. Inparticular, in order to confirm that a user actually resides at theaddress shown on a document, the address from the document is comparedagainst the current location of the user's device (e.g., as determinedby GPS, cell-tower triangulation, IP address geolocation, or the like).In such cases, the verification rating of the document is based at leastpartially on whether or the degree to which the address matches thecurrent location of the user's device.

Different levels of precision can be used for address confirmation,depending on the particular application or use case. For example, insome cases, it is desired to determine the country of residence of auser. Accordingly, it is not necessary that the user's address exactlymatch the user's current location. Rather, it is enough that the user'scurrent location is anywhere within the country identified by the user'saddress. In other cases, it is desired to determine that the useractually lives at the location identified by the user's address. In suchcases, it is necessary to determine that the user's current location iswithin a predetermined distance of the user's address, such that it islikely that the user actually lives at that address. For example, insome implementations, a user's current location is determined to match apurported address if the current location is within 100 feet of alocation associated with the user's address (e.g., latitude andlongitude values associated with the address). Other distances are alsocontemplated (e.g., 500 feet, 1000 feet, 1 mile, 5 miles, 10 miles, orany other appropriate distance).

In addition to comparing the user's actual location with the locationfrom a given document, in some implementations, a user score is based onthe consistency of the addresses of multiple of a user's documents. Inparticular, if all of the user's documents are associated with a samelocation (e.g., a same address, city, state, region, country, etc.), theuser score will be higher. Moreover, in some implementations,verification ratings of individual documents reflect whether the addressof that document matches addresses of other documents. For example, if auser's passport and drivers' license specify one address, and a user'sutility bill specify a different address, then the verification ratingfor the utility bill (and/or the passport or drivers' license) willreflect the discrepancy (e.g., by lowering the rating for that documentor rejecting that document altogether). The client device 102-1 also, insome implementations, looks up an address associated with the user in aseparate database in order to compare to an address on one or moredocuments and/or a current location of the client device 102-1. Forexample, the client device 102-1 retrieves an address for a user from acredit score database, from online address resources (e.g., yellow orwhite pages), from a social media portal, etc.

FIG. 6 is a flow diagram illustrating a method 600 for verifying adocument based on the user's current location, in accordance with someimplementations. Each of the operations shown in FIG. 6 may correspondto instructions stored in a computer memory or computer readable storagemedium. In some implementations, the steps are performed at anelectronic device with one or more processors (or cores) and memorystoring one or more programs for execution by the one or more processors(or cores). For example, in some implementations, the steps areperformed at any one (or any combination) of the client device 102-1,the server 104, and the enterprise device 108-1. Moreover, theindividual steps of the method may be distributed among the multipleelectronic devices in any appropriate manner.

The client device 102-1 obtains a document (602) (e.g., with the imagecapture device module 226). Additional details related to obtainingdocuments are discussed above with respect to step (504) of FIG. 5A.

The client device 102-1 extracts data from the document, the extracteddata including extracted location information (604) (e.g., with the dataextraction module 232). Extracted location information includes, forexample, an address included in the document (e.g., a mailing label, anaddress field of an identification document, etc.), country of residenceinformation (e.g., extracted from a drivers' license or passport numberor country code, etc.), and the like.

The client device 102-1 determines a current location of the clientdevice (606) (e.g., with the positioning system module 228). In someimplementations, the current location of the user's device is determinedusing GPS, cell-tower triangulation, IP address geolocation, or thelike.

The client device 102-1 compares the current location of the clientdevice with the extracted location information (608) (e.g., with thedocument analysis module). The client device 102-1 determines a degreeto which the current location of the client device matches the extractedlocation information (610) (e.g., with the document analysis module).

In some implementations, as described above, the degree to which thecurrent location of the client device matches the extracted locationinformation is a pass/fail result: if the current location is within apredetermined distance of the extracted location information, thelocations are determined to match; if the current location is beyond thepredetermined distance, the locations are determined not to match. Also,the resolution of the extracted location information is selectedaccording to the particular application. For example, in some cases, itis only necessary or desired to determine that the user is in the state,region, or country indicated by an address extracted from a document. Inother cases, it is necessary or desired to determine that the user iswithin a predetermined distance of the actual address extracted from thedocument.

In some implementations, the client device 102-1 generates averification rating based on the degree to which the current location ofthe client device matches the extracted location information (612)(e.g., with the verification rating module 238). In someimplementations, instead of (or in addition to) determining the degreeto which the current location of the client device matches the extractedlocation information, the client device 102-1 determines the degree towhich a historical record of locations of the client device 102-1matches the extracted location information. For example, the clientdevice 102-1 prompts a user to allow access to historical locationinformation (e.g., for a certain time period, such as 1 year), and ifthe user allows access, the client device 102-1 determines how long orhow frequently the client device 102-1 was at or near the locationidentified by the extracted location information, and generates oradjusts the verification rating based thereon.

In some implementations, the client device 102-1 generates averification rating based on the degree to which the current location ofthe client device matches a historical set of extracted locationinformation (e.g., the degree to which the current location matches theaddress information extracted from a plurality of previously uploadeddocuments).

Photograph Comparison

Documents that include photographs (e.g., drivers' licenses, passports,government issued photo identification cards, etc.) are analyzed todetermine whether the photograph in the document matches a photograph ofthe user. In some implementations, a user provides one or more referencephotographs of him or herself. The reference photographs can be capturedby an imaging device associated with a client device (e.g., a smartphonecamera, a webcam or a scanner coupled to a computer, etc.), or uploadedto the client device (e.g., received as a digital image file in someother way). In some implementations, references photographs are capturedfrom different angles, with different facial expressions, and withdifferent lighting, in order to increase the quality of the photographicanalysis.

The photograph from the document is then compared to the referencephotograph(s) to determine if they substantially match. The comparisonuses facial recognition techniques, such as comparing, between thephotograph from the document and the reference photograph biometricinformation such as: the structure, shape, and proportions of the face;the absolute and/or relative location of the nose and eyes; the distancebetween the eyes, nose, mouth, and jaw; the upper outlines of the eyesockets; the sides of the mouth; and the area surrounding the cheekbone. Biometric information is extracted from the document photographand the reference photograph.

In some implementations, the user captures a photograph that includesboth their face and the document that contains a photograph. The user'sface is then compared to the photograph in the document using one ormore of the above techniques (or a technique not listed) to determinewhether the photograph matches the user, and the verification rating isbased at least in part on a degree of match between the biometricinformation from the photograph of the user and the biometricinformation from the reference photograph

In some implementations, a confidence value that the individuals in bothphotographs are the same is calculated based on one or more photographicanalysis techniques, including but not limited to those listed above. Insome implementations, the confidence value is reflected in averification rating for a document that contains the photograph.

In some implementations, multiple reference photographs of a user arecaptured. For example, a client may be asked to capture photographs ofthemselves from different angles, under different lighting conditions,with or without glasses or other obstructions, with different facialexpressions, or the like. In some implementations, a device walks a userthrough the process of obtaining a certain set of photographs, forexample, using visual and/or audio prompts (e.g., showing images orgraphics of exemplary photographs, etc.).

In some implementations, in order to facilitate comparison betweenphotographs, a device includes components and/or application modules forperforming imaging techniques, such as image rectification,creation/calculation of depth maps, calculation of reflectivity, and thelike.

Security Feature Analysis

Some documents include security features such as watermarks, holograms,ghost photos/images, optically variable inks, and/or pigments that aresensitive to and/or reflect certain types of illumination and/orradiation. For example, many government issued photo identificationdocuments (e.g., drivers' licenses, passports, etc.) include suchsecurity features. In order to detect and/or capture a suitablephotograph of these items, the documents need to be exposed toappropriate types of radiation while the photograph is captured. In someimplementations, users are prompted to capture one or more photographsof such documents while exposing it to a particular type of radiation orradiation source.

In some implementations, users capture an image of a document whileexposing the document to an infrared radiation source (e.g., a remotecontrol for a television, stereo, DVD player, or the like). In someimplementations, users capture an image of a document while exposing thedocument to an ultraviolet radiation source (e.g., ultraviolet daylightbulbs, ultraviolet flashlights, “black lights,” etc.).

For documents that include holograms, users capture a series ofphotographs or a short video while a camera flash is on (e.g., a flashincorporated with a cell-phone camera). In some implementations, theflash is controlled (e.g., by an application module) so that differentflash outputs are used for different photographs. Reflectivity valuesfor the hologram across the series of photographs or short video areanalyzed to determine that they satisfy a particular condition (e.g.,that the difference in reflectivity between given images substantiallyconforms to an expected value).

Some documents include text and/or images that must be viewed through apolarizing filter in order to be successfully analyzed. In such cases,users capture an image of the document through a polarizing filter, suchas polarized sunglasses or a polarized photographic filter.

Some documents include laser perforations. In order to detect suchperforations (which are often so small that they cannot be detected whenthe document is front-lit), the user captures a photograph of thedocument under back-lit conditions (e.g., held up to a light bulb) sothat the laser perforations can be detected. The laser perforations arethen analyzed to determine their quality and/or whether they match anexpected pattern or content. In some implementations, the expectedcontent of a laser perforation depends on the issuing authority of thedocument (e.g., the country that issued a passport).

Some security features do not require special radiation and/orillumination for accurate photographic analysis, such as rainbow and/orguilloché printing. In some implementations, a user captures aphotograph of a document that includes rainbow and/or guillochéprinting, and the printing is analyzed to determine its presence and/orquality. In some implementations, the quality of rainbow and/orguilloché printing is based on the resolution, colors, detail, shape, orsize of the printing, or whether it matches an expected pattern and/orcontent (and/or any other appropriate metric). In some implementations,verification ratings are based on and/or reflect the quality and/orpresence of the security features described above.

Zone Comparison

Some documents include multiple different zones, where one zone includesthe same and/or a subset of the information in one or more other zones.For example, passports include a “visual zone” and a “machine-readablezone.” The “visual zone” lists certain information, such as the user'sname, address, passport number, and the like in a format that is easilyreadable by a human. The “machine-readable zone” includes informationsuch as the user's name, passport number, date of birth, country, etc.,in a format that is easily readable by a machine.

In some implementations, photographs of documents having multiple zonesare analyzed to determine whether the information in the various zonesmatch. For example, a user captures a photograph of a document thatincludes multiple zones. Optical character recognition (“OCR”) is thenperformed (using any suitable OCR technique) on all or a subset of thezones (e.g., the “visual zone” and the “machine-readable zone” of apassport), and the information contained in the zones is compared. Insome implementations, verification ratings are based on and/or reflectthe degree to which information in each of the multiple zones match.

In some implementations, a “machine-readable zone” includes a bar codeor other non-alphanumeric character based content, and, therefore, isnot suited to OCR techniques. In such cases, the content of the“machine-readable zone” is analyzed using any appropriate technique,such as decoding a bar code using appropriate code-reading techniques.

Document Presence Tests

Some tests are designed to confirm that the user is in the presence ofthe actual document in question. For example, a user captures a seriesof photographs of different pages of a document (e.g., a passport)within a certain time frame. Successfully providing the requested imagesof the requested pages within the time frame corroborates that the useris in the presence of the actual document.

As another example, a user captures a photograph of the user holding thedocument in front of a mirror. As yet another example, a user captures avideo recording showing the user holding the document. As yet anotherexample, a user captures a photograph of a most recent stamp in apassport. The ability of the user to provide such images/videoscorroborates that the user is in the presence of the actual document(e.g., as opposed to a copy of the document or only a single page of thedocument).

As yet another example, a user is prompted to capture photographs of adocument in accordance with certain criteria. Specifically, the user isprompted to capture photographs of a document in certain orientations,positions, angles, and the like. The ability of the user to capture therequested images suggests whether the user is in the presence of theactual document.

In some implementations, a reticle is displayed on a viewfinder of animaging device (e.g., on a screen of a smartphone or digital camera)that specifies an orientation of the document. The user must thencapture an image according to the specified orientation. For example,the reticle is a trapezoid, and the user must orient the document and/orthe camera such that the document fits within and/or substantiallymatches the shape of the reticle. In some implementations, the specificorientations, positions, or angles requested are determined in apseudo-random manner, so that a user cannot easily predict whatphotographs will be requested.

In some implementations, a user captures photographs of paper-baseddocuments against a substantially transparent surface (e.g., a glasswindow). For paper documents, the light illuminating the back surfacecauses the document to appear translucent, allowing any printing orcontent on the back of the page to become at least partially visible.Accordingly, the photograph is analyzed to determine the content and/orquality of content on the back surface of the document (i.e., thedocument surface that is against the transparent surface), and/or toevaluate the level, consistency, or quality of translucence of the paperitself.

Issuing Party Confirmation Tests

Some tests confirm whether a particular document embodies or includesparameters or patterns expected of a document issued by a particularissuing party. For example, passport numbers for a certain country mayconform to a detectable pattern. If the parameters or patterns do notmatch expected ones (e.g., based on the user's self reportedinformation, or based on other information extracted from the document),then the authenticity of the document may be suspect.

In some implementations, a user captures a photograph of the centerpages of a passport, and the threading pattern of the passport binding(visible in the center pages) is compared against a known threadingpattern for the purported country or issuing party/jurisdiction of thepassport.

In some implementations, a user captures a photograph of a portion of adocument that contains a unique identifier (e.g., a passport number,drivers' license number, etc.), and the number is compared against aknown pattern for the purported country, state, or issuingparty/jurisdiction of the document.

Depth Analysis

Three-dimensional analysis of a document (and/or a document inconjunction with one or more other objects) is also used in someimplementations to determine that the document is authentic. Forexample, in some implementations, a user captures several directionalpoint-of-view photographs of a document. As another example, a usercaptures one or more photographs of a document with extraneous objectsplaced over it. Verification ratings for these documents reflect acalculation of depth based on image rectification techniques.

Physical Trait Tests

Some documents are made of materials that have unique properties. Forexample, drivers' licenses are typically made of a plastic or compositethat has a certain rigidity and/or stiffness. Accordingly, some testsare designed to determine whether the document is likely made of anexpected material. Specifically, in some implementations, a usercaptures a photograph in which he or she is bending a document (e.g., adrivers' license). The photograph can be analyzed to determine whetherthe document conforms to an expected curvature, or otherwise appears tobe made of an expected material (e.g., a plastic card rather than a slipof paper).

Information Corroboration Tests

In some implementations, a verification rating for a document is alsobased on whether or the degree to which information from the documentmatches information from another source. For example, as noted above,the other source of information can be user-entered information (e.g.,information provided by a user during an account enrollment process). Insome implementations, the other source of information is anotherdocument. For example, a verification rating for a drivers' license isbased at least in part on the degree to which the information in thedrivers' license matches information extracted from a passport.

As a specific example, certain drivers' licenses are issued with both aplastic card and a paper slip (e.g., drivers' licenses in the UnitedKingdom and the European Union). In these cases, the verification ratingfor a drivers' license is based on whether or the degree to which theinformation on the plastic card matches the information on the paperslip. Moreover, for such two-part documents, the verification rating isalso based on whether or not the paper slip can be provided. In someimplementations, no verification rating is provided for such document ifthe second part of the document cannot be photographed.

Signature Comparison

In some implementations, users are required or requested to signdocuments before capturing photographs of them. Such signatures are thencompared to a reference signature associated with the user. Theverification rating is then based on whether or the degree to which thesignature matches the reference signature. Reference signatures are, forexample, provided by the user during an account enrollment process(e.g., entered by a user via a touchscreen or touchpad input device), orextracted from another document (e.g., drivers' license, passport,etc.). In some implementations, documents that must be signed includeutility bills.

In some implementations, a video is captured of a user signing adocument. The video is then analyzed to determine whether the usersigned the document within an acceptable time frame (e.g., less than 5seconds, or any other appropriate time frame), and whether the resultingsignature sufficiently matches a reference signature. This can helpdetect fraudulent or forged signatures, as it may be difficult for auser to quickly produce a convincing forgery.

Third Party Review

In some implementations, third parties can verify and/or corroborateinformation and/or documents of other users. For example, notaries,lawyers, or other authorized individuals can review informationsubmitted by a user and provide an analysis and/or opinion about thedocuments and/or the user. In some implementations, such analysis and/oropinion is reflected in a verification rating of a document or a userscore. In other implementations, it is independent of a verificationrating or user score (e.g., it is a separate indication that the accounthas been verified by a third party). In some implementations, the thirdparty is provided with physical versions of documents for review (e.g.,copies or originals are delivered to the third party).

In some implementations, third parties are other users of the servicewho personally corroborate the identity claims of other users. Forexample, a first user who personally knows a second user can corroboratethe second user's identity, which can increase a verification ratingand/or user score of the second user, or appear as a separate indicationthat the account has been corroborated by another user. In someimplementations, the first user's verification rating(s), accountstatus, and/or user score is affected if the users and/or accounts thatthey corroborate turn out to be falsified, fraudulent, or otherwisesuspect. For example, a user score of the corroborating user can bereduced, their account can be degraded to a “pending” status, or theiraccount can be rejected by the service provider altogether.

Also, where corroboration by a first user affects a verification ratingor user score of a second user, the verification ratings and/orcorroboration history of the first user can affect the amount by whichthe second user's verification rating or user score is changed. Forexample, if a user with a high user score (the first user) corroboratesthe identity of the second user, the second user's score can beincreased more than it would be if the first user had a lower userscore.

Any of the tests described above can be performed on any appropriatedevice, depending on the implementation. For example, in someimplementations, they are performed on a client device 102-1 (e.g., aspart of a document upload process performed by a user). In someimplementations, they are performed on an enterprise device 108-1 (e.g.,as part of an account generation process performed on behalf ofindividuals by an institution, using documents already in the possessionof the institution). In some implementations, they are performed on aserver 104 (e.g., after they have been uploaded by a client device 102-nor an enterprise device 108-n).

Not all of the tests described above are necessarily applied to alldocuments. Rather, one of skill in the art will recognize that sometests are not applicable to certain documents or types of documents. Forexample, a photograph comparison tests (e.g., comparing a photographfrom a document to a reference photograph of a user) would not apply todocuments that do not include photographs of the user. Similarly,hologram analysis tests would not apply to documents that do not includeholograms. In some implementations, the tests that can be performed on aparticular document depend on the type of document.

Moreover, not all tests that are suitable for a particular document arenecessarily performed on that document. Rather, in some implementations,when a document is uploaded, a certain subset of the suitable tests forthat document is selected. The user is then prompted to capture thephotographs and/or images required for the selected tests.

In some implementations, when a document is obtained from a user, thesubset of tests are selected in a pseudo-random fashion, such that it isdifficult for a user to predict what tests will be required for anyparticular document. Accordingly, it is more difficult for users tocreate or obtain fraudulent documents (or to capture photographs ofsomeone else's documents) ahead of time if they cannot predict whatparticular photographs they will be prompted to capture and/or whatanalysis will be performed on the document.

In some implementations, a user can increase the verification rating fora particular document by electing to perform one or more additionaltests. The verification rating is then adjusted based on the results ofthe additional tests. Specifically, if the results are positive (e.g.,support the validity and/or authenticity of the document), theverification rating is increased. On the other hand, if the results arenegative (e.g., refute the validity and/or authenticity of thedocument), the verification rating is decreased.

In some implementations, the number of tests performed on a document isreflected and/or included in the verification rating itself. Forexample, a document may be amenable to 10 different tests, and theresults of each test are scored on a 0-10 scale. Thus, if a document issubjected to 3 tests, and receives a perfect result for each test, theoverall verification rating is 30 of a possible 100. Subjecting thedocument to additional tests can then increase the verification rating,depending on the results of those tests.

On the other hand, in some implementations, the number of testsperformed on a document is reflected separately from the verificationrating. For example, a verification rating for a document may be acertain value (e.g., 80%) based on the results of a certain number oftests (e.g., 3 of a possible 10), and the number of tests is reportedseparately from the verification rating. Thus, in this example, therating of 80% reflects a combined result of the 3 tests that wereperformed (e.g., an average rating), and does not indicate the number oftests that were performed.

For any of the tests described above, users are prompted withstep-by-step instructions, examples, sample images, and/or any otherinformation to assist with the successful completion of the requestedtests. Also, any analysis used in any of the tests described above maybe fully automatic (without human intervention), fully manual, or acombination of automatic and manual. A facial recognition analysis, forexample, can be performed by a computer (e.g., using a facialrecognition and/or comparison algorithm), or by a human (e.g., a humanoperator reviewing a reference photograph and a document photograph anddetermining whether they match. In some implementations, a humanoperator reviews the results of an automatic analysis process in orderto confirm, reject, and/or modify the results of the analysis.

The methods illustrated in FIGS. 5A-6 may be governed by instructionsthat are stored in a computer readable storage medium and that areexecuted by at least one processor of at least one electronic device(e.g., one or more client devices 102-n, one or more enterprise devices108-n, or a server 104). Each of the operations shown in FIGS. 5A-6 maycorrespond to instructions stored in a non-transitory computer memory orcomputer readable storage medium. In various implementations, thenon-transitory computer readable storage medium includes a magnetic oroptical disk storage device, solid state storage devices, such as Flashmemory, or other non-volatile memory device or devices. The computerreadable instructions stored on the non-transitory computer readablestorage medium may be in source code, assembly language code, objectcode, or other instruction format that is interpreted and/or executableby one or more processors (or cores).

Plural instances may be provided for components, operations, orstructures described herein as a single instance. Finally, boundariesbetween various components, operations, and data stores are somewhatarbitrary, and particular operations are illustrated in the context ofspecific illustrative configurations. Other allocations of functionalityare envisioned and may fall within the scope of the implementation(s).In general, structures and functionality presented as separatecomponents in the example configurations may be implemented as acombined structure or component. Similarly, structures and functionalitypresented as a single component may be implemented as separatecomponents. These and other variations, modifications, additions, andimprovements fall within the scope of the implementation(s).

It will also be understood that, although the terms “first,” “second,”etc. may be used herein to describe various elements, these elementsshould not be limited by these terms. These terms are only used todistinguish one element from another. For example, a first contact couldbe termed a second contact, and, similarly, a second contact could betermed a first contact, which changing the meaning of the description,so long as all occurrences of the “first contact” are renamedconsistently and all occurrences of the second contact are renamedconsistently. The first contact and the second contact are bothcontacts, but they are not the same contact.

The terminology used herein is for the purpose of describing particularimplementations only and is not intended to be limiting of the claims.As used in the description of the implementations and the appendedclaims, the singular forms “a”, “an” and “the” are intended to includethe plural forms as well, unless the context clearly indicatesotherwise. It will also be understood that the term “and/or” as usedherein refers to and encompasses any and all possible combinations ofone or more of the associated listed items. It will be furtherunderstood that the terms “comprises” and/or “comprising,” when used inthis specification, specify the presence of stated features, integers,steps, operations, elements, and/or components, but do not preclude thepresence or addition of one or more other features, integers, steps,operations, elements, components, and/or groups thereof.

As used herein, the term “if” may be construed to mean “when” or “upon”or “in response to determining” or “in accordance with a determination”or “in response to detecting,” that a stated condition precedent istrue, depending on the context. Similarly, the phrase “if it isdetermined (that a stated condition precedent is true)” or “if (a statedcondition precedent is true)” or “when (a stated condition precedent istrue)” may be construed to mean “upon determining” or “in response todetermining” or “in accordance with a determination” or “upon detecting”or “in response to detecting” that the stated condition precedent istrue, depending on the context.

The foregoing description included example systems, methods, techniques,instruction sequences, and computing machine program products thatembody illustrative implementations. For purposes of explanation,numerous specific details were set forth in order to provide anunderstanding of various implementations of the inventive subjectmatter. It will be evident, however, to those skilled in the art thatimplementations of the inventive subject matter may be practiced withoutthese specific details. In general, well-known instruction instances,protocols, structures and techniques have not been shown in detail.

The foregoing description, for purpose of explanation, has beendescribed with reference to specific implementations. However, theillustrative discussions above are not intended to be exhaustive or tolimit the implementations to the precise forms disclosed. Manymodifications and variations are possible in view of the aboveteachings. The implementations were chosen and described in order tobest explain the principles and their practical applications, to therebyenable others skilled in the art to best utilize the implementations andvarious implementations with various modifications as are suited to theparticular use contemplated.

What is claimed is:
 1. A method for sharing verified identity documents,comprising: at one or more devices with one or more processors andmemory storing one or more programs for execution by the one or moreprocessors: obtaining identity information of a user; obtaining adocument; obtaining at least one verification rating for the document,wherein the verification rating is based at least in part on a degree ofmatch between the identity information of the user and identityinformation extracted from the document; and facilitating storing thedocument at a first device of the one or more devices, the dataextracted from the document, and the at least one verification rating inassociation with an account of the user, wherein at least one of thedocument, the data extracted from the document, and the at least oneverification rating is stored in one or more encrypted containers;receiving, from a second device of a third party that is distinct fromthe first device and a client device of the user, a request forinformation associated with the account of the user; sending a requestto the client device requesting authorization to release the informationto the third party; receiving from the client device authorization torelease the information to the third party; and in response to receivingthe authorization, facilitating sending of the information to the thirdparty.
 2. The method of claim 1, wherein obtaining at least oneverification rating for the document comprises: facilitating extractionof data from the document, the extracted data including extractedidentity information; and facilitating a determination that the identityinformation of the user and the extracted identity informationsubstantially match.
 3. The method of claim 1, wherein the informationrequested by the third party includes one or more of: the document, thedata extracted from the document, and the at least one verificationrating.
 4. The method of claim 1, further comprising generating the oneor more encrypted containers at the client device.
 5. The method ofclaim 1, wherein the at least one verification rating comprises aplurality of verification ratings.
 6. The method of claim 5, generatinga composite verification rating for the document, wherein the compositeverification rating is based at least partially on each of the pluralityof verification ratings.
 7. The method of claim 1, further comprising:obtaining one or more additional documents; and for each respective oneof the one or more additional documents: facilitating an extraction ofdata from the respective document; facilitating a generation of at leastone respective verification rating for the respective document;facilitating storing the respective document, the data extracted fromthe respective document, and the at least one respective verificationrating on the first device.
 8. The method of claim 7, furthercomprising: facilitating generating a user score for the user accountbased at least in part on: the at least one verification rating for thedocument; and the at least one respective verification rating for eachof the one or more additional documents.
 9. The method of claim 1,wherein the request for information associated with the user accountidentifies one or more distinct information items associated with theuser account.
 10. The method of claim 1, wherein the request forinformation associated with the user account specifies a context for theinformation.
 11. The method of claim 10, wherein the context specifiesone or more requested access limits.
 12. The method of claim 1, whereinthe authorization to release the information to the third party includesa scope of the access that is to be granted to the requestor.
 13. Themethod of claim 12, wherein the scope of the access that is to begranted to the requestor includes one or more access limits, specifiedby the user, for the information.
 14. The method of claim 13, whereinone or more access limits is at least one of a window of time in whichthe requestor will be permitted to access the information, and thenumber of times that the requestor will be permitted to access theinformation.
 15. The method of claim 13, wherein the one or more accesslimits are selected from the group consisting of: a limit on a number oftimes that the third party may access the information; and a limit on aduration in which the third party may access the information.
 16. Themethod of claim 2, wherein extraction of data from the document includesextracting biometric data from a photograph contained in the document.17. The method of claim 2, wherein extraction of data from the documentincludes extracting a signature from a photograph contained in thedocument.
 18. The method of claim 1, further comprising: prior toobtaining the at least one verification rating for the document:facilitating identifying, from the data extracted from the document, anexpiration date of the document; and facilitating determining that theexpiration date of the document is after a current date.
 19. The methodof claim 1, further comprising, at the client device: prior to obtainingthe at least one verification rating for the document: facilitatingidentifying, from the data extracted from the document, a dateassociated with the document; and facilitating determining that theissue date of the document is within a predetermined recency window,wherein the recency window is determined in accordance with a currentdate.
 20. The method of claim 1, wherein obtaining the at least oneverification rating includes: capturing a photograph of a user;extracting a reference photograph from the document; extractingbiometric information from the photograph of the user; extractingbiometric information from the reference photograph; and generating theat least one verification rating based at least in part on a degree ofmatch between the biometric information from the photograph of the userand the biometric information from the reference photograph.
 21. Themethod of claim 1, wherein obtaining the at least one verificationrating includes: capturing a photograph of the document, wherein thedocument includes a hologram, and the document is illuminated by one ofinfrared or ultraviolet radiation; analyzing the hologram; generatingthe at least one verification rating based at least in part on thequality and/or the content of the hologram.
 22. The method of claim 20,further comprising, prior to obtaining the at least one verificationrating, prompting the user to capture the photograph of the documentwhile illuminating the document with one of infrared or ultravioletradiation, including providing instructions to the user regardingsuitable sources of infrared or ultraviolet radiation.
 23. The method ofclaim 2, wherein the extracted data includes an address, and whereingenerating the at least one verification rating includes: determining acurrent location of the client device; comparing the current location ofthe client device with the address; generating the at least oneverification rating based at least in part on a proximity of the addressto the current location of the client device.
 24. The method of claim23, further comprising generating the at least one verification ratingbased at least in part on whether the current address falls within apredetermined area surrounding the current location of the clientdevice.
 25. An electronic device, comprising: one or more processors;memory; and one or more programs, wherein the one or more programs arestored in the memory and configured to be executed by the one or moreprocessors, the one or more programs including instructions for:obtaining identity information of a user; obtaining a document;obtaining at least one verification rating for the document, wherein theverification rating is based at least in part on a degree of matchbetween the identity information of the user and identity informationextracted from the document; and facilitating storing the document at afirst device of the one or more devices, the data extracted from thedocument, and the at least one verification rating in association withan account of the user, wherein at least one of the document, the dataextracted from the document, and the at least one verification rating isstored in one or more encrypted containers; receiving, from a seconddevice of a third party that is distinct from the first device and aclient device of the user, a request for information associated with theaccount of the user; sending a request to the client device requestingauthorization to release the information to the third party; receivingfrom the client device authorization to release the information to thethird party; and in response to receiving the authorization,facilitating sending of the information to the third party.
 26. Anon-transitory computer readable storage medium storing one or moreprograms, the one or more programs comprising instructions, which whenexecuted by one or more electronic devices, cause the one or moredevices to: obtain identity information of a user; obtaining a document;obtain at least one verification rating for the document, wherein theverification rating is based at least in part on a degree of matchbetween the identity information of the user and identity informationextracted from the document; and facilitate storing the document at afirst device of the one or more devices, the data extracted from thedocument, and the at least one verification rating in association withan account of the user, wherein at least one of the document, the dataextracted from the document, and the at least one verification rating isstored in one or more encrypted containers; receive, from a seconddevice of a third party that is distinct from the first device and aclient device of the user, a request for information associated with theaccount of the user; send a request to the client device requestingauthorization to release the information to the third party; receivefrom the client device authorization to release the information to thethird party; and in response to receiving the authorization, facilitatesending of the information to the third party.